Systems and methods for authentication of access tokens

ABSTRACT

Systems and methods for authentication may include a first device including a memory, a communication interface, and one or more processors. The memory may include a counter value, transmission data, and at least one key. The one or more processors may be in communication with the memory and communication interface. The one or more processors may be configured to create a cryptogram using the at least one key and counter value, wherein the cryptogram includes the counter value and the transmission data; transmit the cryptogram via the communication interface; update the counter value after cryptogram transmission; receive an encrypted access token via the communication interface; decrypt the encrypted access token; store the decrypted access token in the memory; and transmit, after entry of the communication interface into a communication field, the access token via the communication interface for access to one or more resources, wherein the access token is encrypted.

FIELD OF THE DISCLOSURE

The present disclosure relates to systems and methods for authentication of access tokens.

BACKGROUND

Card-based transactions are becoming increasingly common. These transactions often involve the use of a card in communication with a point of sale device, a server, or other device. It is necessary to protect such communications from interception and unauthorized access. However, transmission of data in the clear, i.e., without encryption or other protection, is susceptible to phishing attacks and replay attacks, resulting in increased security risks and account or card misuse. These risks may be increased through the use of contactless cards, which communication with other devices wirelessly.

These and other deficiencies exist. Accordingly, there is a need for systems and methods for authenticating access tokens that overcome these deficiencies and provides access to one or more resources in a secure and reliable manner by protecting communications from interception and unauthorized access.

SUMMARY OF THE DISCLOSURE

Embodiments of the present disclosure provide a first device, comprising. The first device may include a memory including a counter value, transmission data, and at least one key. The first device may include a communication interface. The first device may include one or more processors in communication with the memory and communication interface. The one or more processors may be configured to create a cryptogram using the at least one key and counter value, wherein the cryptogram includes the counter value and the transmission data. The one or more processors may be configured to transmit the cryptogram via the communication interface. The one or more processors may be configured to update the counter value after transmission of the cryptogram. The one or more processors may be configured to receive an encrypted access token via the communication interface. The one or more processors may be configured to decrypt the encrypted access token. The one or more processors may be configured to store the decrypted access token in the memory. The one or more processors may be configured to transmit, after entry of the communication interface into a communication field, the access token via the communication interface for access to one or more resources, wherein the access token is encrypted.

Embodiments of the present disclosure provide an authentication method. The method may include creating a cryptogram using at least one key and counter value, wherein the cryptogram includes the counter value and transmission data. The method may include transmitting, via a communication interface, the cryptogram. The method may include updating the counter value. The method may include receiving, via the communication interface, an encrypted access token. The method may include decrypting the encrypted access token. The method may include storing the decrypted access token in memory. The method may include transmitting, after entry of the communication interface into a communication field, the access token via the communication interface to receive access to one or more resources, wherein the access token is encrypted.

Embodiments of the present disclosure provide a computer readable non-transitory medium comprising computer-executable instructions that are executed on a processor and comprising the steps of: creating a cryptogram using one or more keys and a counter value, wherein the cryptogram includes the counter value and transmission data; transmitting the cryptogram; updating the counter value; receiving an encrypted access token; decrypting the encrypted access token; transmitting, after entry of a communication interface into a communication field, the access token via the communication interface, wherein the access token is encrypted; and receiving, after authentication of the access token, access to one or more resources

BRIEF DESCRIPTION OF THE DRAWINGS

Various embodiments of the present disclosure, together with further objects and advantages, may best be understood by reference to the following description taken in conjunction with the accompanying drawings.

FIG. 1 depicts an authentication system according to an exemplary embodiment.

FIG. 2A is an illustration of a contactless card according to an exemplary embodiment.

FIG. 2B is an illustration of a contact pad of a contactless card according to an exemplary embodiment.

FIG. 3 depicts a method of authentication according to an exemplary embodiment.

FIG. 4 depicts a sequence diagram of a process for authentication according to an exemplary embodiment.

FIG. 5 depicts an authentication system according to an exemplary embodiment.

FIG. 6 depicts a method of authentication according to an exemplary embodiment.

DETAILED DESCRIPTION

The following description of embodiments provides non-limiting representative examples referencing numerals to particularly describe features and teachings of different aspects of the invention. The embodiments described should be recognized as capable of implementation separately, or in combination, with other embodiments from the description of the embodiments. A person of ordinary skill in the art reviewing the description of embodiments should be able to learn and understand the different described aspects of the invention. The description of embodiments should facilitate understanding of the invention to such an extent that other implementations, not specifically covered but within the knowledge of a person of skill in the art having read the description of embodiments, would be understood to be consistent with an application of the invention.

Benefits of the systems and methods disclosed herein include improved security to provide access to one or more resources by protecting communications from interception and unauthorized access. The systems and methods disclosed herein allow for the avoidance of phishing attacks and preventing replay attacks through encrypted data communications and the removal of the need to send data in the clear. In addition, by generating and authenticating access tokens and challenge responses, access tokens and cards may be securely issued, validated, and reissued, rather than collecting the cards, and programming each card for reissuance, thereby mitigating security risks, improving the user experience, and improving transaction efficiency. Accordingly, the systems and methods disclosed herein reduce the risk of fraudulent activity, such as misuse of the card or an account associated with the card.

FIG. 1 illustrates an authentication system 100. The system 100 may comprise a first device 105, a second device 112, a third device 117, a network 120, a server 125, and a database 130. Although FIG. 1 illustrates single instances of components of system 100, system 100 may include any number of components.

System 100 may include a first device 105. The first device 105 may comprise a contactless card, a contact-based card, or other device described herein. As further explained below in FIGS. 2A-2B, first device 105 may include one or more processors 102, and memory 104. Memory 104 may include one or more applets 106 and one or more counters 108. Each counter 108 may include a counter value. Memory 104 may include the counter value, transmission data, and at least one key.

First device 105 may include a communication interface 107. The communication interface 107 may comprise communication capabilities with physical interfaces and contactless interfaces. For example, the communication interface 107 may be configured to communicate with a physical interface, such as by swiping through a card swipe interface or inserting into a card chip reader found on an automated teller machine (ATM) or other device configured to communicate over a physical interface. In other examples, the communication interface 107 may be configured to establish contactless communication with a card reading device via a short-range wireless communication method, such as NFC, Bluetooth, Wi-Fi, RFID, and other forms of contactless communication. As shown in FIG. 1, the communication interface 107 may be configured to communicate directly with the second device 112, third device 117, server 125, and/or database 130 via network 120.

First device 105 may be in data communication with any number of components of system 100. For example, first device 105 may transmit data via network 120 to second device 112, third device 117, and/or server 125. First device 105 may transmit data via network 120 to database 130. In some examples, first device 105 may be configured to transmit data via network 120 after entry into one or more communication fields of any device. Without limitation, each entry may be associated with a tap, a swipe, a wave, and/or any combination thereof.

System 100 may include a second device 112. The second device 112 may include one or more processors 113, and memory 114. Memory 114 may include one or more applications, including but not limited to first application 110 and second application 111. Second device 112 may be in data communication with any number of components of system 100. For example, second device 112 may transmit data via network 120 to server 125. Second device 112 may transmit data via network 120 to database 130. Without limitation, second device 112 may be a network-enabled computer. As referred to herein, a network-enabled computer may include, but is not limited to a computer device, or communications device including, e.g., a server, a network appliance, a personal computer, a workstation, a phone, a handheld PC, a personal digital assistant, a contactless card, a thin client, a fat client, an Internet browser, a kiosk, a tablet, a terminal, or other device. Second device 112 also may be a mobile device; for example, a mobile device may include an iPhone, iPod, iPad from Apple® or any other mobile device running Apple's iOS® operating system, any device running Microsoft's Windows® Mobile operating system, any device running Google's Android® operating system, and/or any other smartphone, tablet, or like wearable mobile device.

The second device 112 may include processing circuitry and may contain additional components, including processors, memories, error and parity/CRC checkers, data encoders, anticollision algorithms, controllers, command decoders, security primitives and tamperproofing hardware, as necessary to perform the functions described herein. The second device 112 may further include a display and input devices. The display may be any type of device for presenting visual information such as a computer monitor, a flat panel display, and a mobile device screen, including liquid crystal displays, light-emitting diode displays, plasma panels, and cathode ray tube displays. The input devices may include any device for entering information into the user's device that is available and supported by the user's device, such as a touch-screen, keyboard, mouse, cursor-control device, touch-screen, microphone, digital camera, video recorder or camcorder. These devices may be used to enter information and interact with the software and other devices described herein.

System 100 may include a third device 117. The third device 117 may include one or more processors 116, and memory 118. Memory 118 may include one or more applications, such as application 115. Third device 117 may be in data communication with any number of components of system 100. For example, third device 117 may transmit data via network 120 to server 125. Third device 117 may transmit data via network 120 to database 130. Without limitation, third device 117 may be a network-enabled computer. As referred to herein, a network-enabled computer may include, but is not limited to a computer device, or communications device including, e.g., a server, a network appliance, a personal computer, a workstation, a phone, a handheld PC, a personal digital assistant, a contactless card, a thin client, a fat client, an Internet browser, a kiosk, a tablet, a terminal, a reader, or other device. Third device 117 also may be a mobile device; for example, a mobile device may include an iPhone, iPod, iPad from Apple® or any other mobile device running Apple's iOS® operating system, any device running Microsoft's Windows® Mobile operating system, any device running Google's Android® operating system, and/or any other smartphone, tablet, or like wearable mobile device.

The third device 117 may include processing circuitry and may contain additional components, including processors, memories, error and parity/CRC checkers, data encoders, anticollision algorithms, controllers, command decoders, security primitives and tamperproofing hardware, as necessary to perform the functions described herein. The third device 117 may further include a display and input devices. The display may be any type of device for presenting visual information such as a computer monitor, a flat panel display, and a mobile device screen, including liquid crystal displays, light-emitting diode displays, plasma panels, and cathode ray tube displays. The input devices may include any device for entering information into the user's device that is available and supported by the user's device, such as a touch-screen, keyboard, mouse, cursor-control device, touch-screen, microphone, digital camera, video recorder or camcorder. These devices may be used to enter information and interact with the software and other devices described herein.

System 100 may include a network 120. In some examples, network 120 may be one or more of a wireless network, a wired network or any combination of wireless network and wired network, and may be configured to connect to any one of components of system 100. For example, first device 105 may be configured to connect to server 125 via network 120. In some examples, network 120 may include one or more of a fiber optics network, a passive optical network, a cable network, an Internet network, a satellite network, a wireless local area network (LAN), a Global System for Mobile Communication, a Personal Communication Service, a Personal Area Network, Wireless Application Protocol, Multimedia Messaging Service, Enhanced Messaging Service, Short Message Service, Time Division Multiplexing based systems, Code Division Multiple Access based systems, D-AMPS, Wi-Fi, Fixed Wireless Data, IEEE 802.11b, 802.15.1, 802.11n and 802.11g, Bluetooth, NFC, Radio Frequency Identification (RFID), Wi-Fi, and/or the like.

In addition, network 120 may include, without limitation, telephone lines, fiber optics, IEEE Ethernet 902.3, a wide area network, a wireless personal area network, a LAN, or a global network such as the Internet. In addition, network 120 may support an Internet network, a wireless communication network, a cellular network, or the like, or any combination thereof. Network 120 may further include one network, or any number of the exemplary types of networks mentioned above, operating as a stand-alone network or in cooperation with each other. Network 120 may utilize one or more protocols of one or more network elements to which they are communicatively coupled. Network 120 may translate to or from other protocols to one or more protocols of network devices. Although network 120 is depicted as a single network, it should be appreciated that according to one or more examples, network 120 may comprise a plurality of interconnected networks, such as, for example, the Internet, a service provider's network, a cable television network, corporate networks, such as credit card association networks, and home networks.

System 100 may include one or more servers 125. In some examples, server 125 may include one or more processors 127 coupled to memory 129. Server 125 may be configured as a central system, server or platform to control and call various data at different times to execute a plurality of workflow actions. Server 125 may be configured to connect to first device 105. Server 125 may be in data communication with the applet 106, application 110, application 111, and/or application 115. For example, a server 125 may be in data communication with applet 106 via one or more networks 120. First device 105 may be in communication with one or more servers 125 via one or more networks 120, and may operate as a respective front-end to back-end pair with server 125. First device 105 may transmit, for example from applet 106 executing thereon, one or more requests to server 125. The one or more requests may be associated with retrieving data from server 125. Server 125 may receive the one or more requests from first device 105. Based on the one or more requests from applet 106, server 125 may be configured to retrieve the requested data. Server 125 may be configured to transmit the received data to applet 106, the received data being responsive to one or more requests.

In some examples, server 125 can be a dedicated server computer, such as bladed servers, or can be personal computers, laptop computers, notebook computers, palm top computers, network computers, mobile devices, wearable devices, or any processor-controlled device capable of supporting the system 100. While FIG. 1 illustrates a single server 125, it is understood that other embodiments can use multiple servers or multiple computer systems as necessary or desired to support the users and can also use back-up or redundant servers to prevent network downtime in the event of a failure of a particular server.

Server 125 may include an application comprising instructions for execution thereon. For example, the application may comprise instructions for execution on the server 125. The application may be in communication with any components of system 100. For example, server 125 may execute one or more applications that enable, for example, network and/or data communications with one or more components of system 100 and transmit and/or receive data. Without limitation, server 125 may be a network-enabled computer. As referred to herein, a network-enabled computer may include, but is not limited to a computer device, or communications device including, e.g., a server, a network appliance, a personal computer, a workstation, a phone, a handheld PC, a personal digital assistant, a contactless card, a thin client, a fat client, an Internet browser, or other device. Server 125 also may be a mobile device; for example, a mobile device may include an iPhone, iPod, iPad from Apple® or any other mobile device running Apple's iOS® operating system, any device running Microsoft's Windows® Mobile operating system, any device running Google's Android® operating system, and/or any other smartphone, tablet, or like wearable mobile device.

The server 125 may include processing circuitry and may contain additional components, including processors, memories, error and parity/CRC checkers, data encoders, anticollision algorithms, controllers, command decoders, security primitives and tamperproofing hardware, as necessary to perform the functions described herein. The server 125 may further include a display and input devices. The display may be any type of device for presenting visual information such as a computer monitor, a flat panel display, and a mobile device screen, including liquid crystal displays, light-emitting diode displays, plasma panels, and cathode ray tube displays. The input devices may include any device for entering information into the user's device that is available and supported by the user's device, such as a touch-screen, keyboard, mouse, cursor-control device, touch-screen, microphone, digital camera, video recorder or camcorder. These devices may be used to enter information and interact with the software and other devices described herein.

System 100 may include one or more databases 130. The database 130 may comprise a relational database, a non-relational database, or other database implementations, and any combination thereof, including a plurality of relational databases and non-relational databases. In some examples, the database 130 may comprise a desktop database, a mobile database, or an in-memory database. Further, the database 130 may be hosted internally by any component of system 100, such as the first device 105 or server 125, or the database 130 may be hosted externally to any component of the system 100, such as the first device 105 or server 125, by a cloud-based platform, or in any storage device that is in data communication with the first device 105 and server 125. In some examples, database 130 may be in data communication with any number of components of system 100. For example, server 125 may be configured to retrieve the requested data from the database 130 that is transmitted by applet 106. Server 125 may be configured to transmit the received data from database 130 to applet 106 via network 120, the received data being responsive to the transmitted one or more requests. In other examples, applet 106 may be configured to transmit one or more requests for the requested data from database 130 via network 120.

In some examples, exemplary procedures in accordance with the present disclosure described herein can be performed by a processing arrangement and/or a computing arrangement (e.g., computer hardware arrangement). Such processing/computing arrangement can be, for example entirely or a part of, or include, but not limited to, a computer/processor that can include, for example one or more microprocessors, and use instructions stored on a computer-accessible medium (e.g., RAM, ROM, hard drive, or other storage device). For example, a computer-accessible medium can be part of the memory of the first device 105, server 125, and/or database 130, or other computer hardware arrangement.

In some examples, a computer-accessible medium (e.g., as described herein above, a storage device such as a hard disk, floppy disk, memory stick, CD-ROM, RAM, ROM, etc., or a collection thereof) can be provided (e.g., in communication with the processing arrangement). The computer-accessible medium can contain executable instructions thereon. In addition or alternatively, a storage arrangement can be provided separately from the computer-accessible medium, which can provide the instructions to the processing arrangement so as to configure the processing arrangement to execute certain exemplary procedures, processes, and methods, as described herein above, for example.

The one or more processors 102 may be configured to create a cryptogram using the at least one key and the counter value. The cryptogram may include the counter value and the transmission data. The one or more processors 102 may be configured to transmit the cryptogram via the communication interface 107. For example, the one or more processors 102 may be configured to transmit the cryptogram to one or more applications. In some examples, the one or more processors 102 may be configured to transmit the cryptogram to a first application 110 comprising instructions for execution on a second device 112. The one or more processors 102 may be configured to update the counter value after transmission of the cryptogram. The one or more processors 102 may be configured to receive an access token via the communication interface 107. For example, the one or more processors 102 may be configured to receive the access token from the first application 110. In some examples, the access token may be generated and/or encrypted by the first application 110. In some examples, the access token may be created when a user authenticates into a first or primary system, which may comprise an application, including but not limited to first application 110 comprising instructions for execution on second device 112, or a network login, including but not limited to login associated with network 120. At that point, the access token may be created that encapsulates the security identity that has been established through presenting one or more credentials, including but not limited to at least one selected from the group of a username and/or password, a mobile device number, an account number, a card number, and a biometric (e.g., facial scan, a retina scan, a fingerprint, and a voice input for voice recognition). A database, such as database 130, that is initially authenticated against, may be configured to create the token. In this model, the access token is then encrypted and transmitted to the first device 105 for secure storage. When a user wishes to gain access to a second system, the first device 105 may be presented and the second system may be configured to query for it. To the extent that the access token is still valid and the first and second systems respect each other, through a protocol such as OAuth or Security Assertion Markup Language (SAML), the user may gain access to the secondary system. In some examples, the access token may be encrypted prior to transmission. For example, the first application 110 may be configured to encrypt the access token prior to transmission to the one or more processors 102 of the first device 105.

The one or more processors 102 may be configured to decrypt the access token. The one or more processors 102 may be configured to store the access token in the memory 104. The one or more processors 102 may be configured to transmit, after one or more entries of the communication interface 107 into a communication field of any device, the access token. The one or more entries may be associated with at least one selected from the group of a tap, a swipe, a wave, and/or any combination thereof. For example, the one or more processors 102 may be configured to transmit the access token to the first application 110. The access token may be transmitted via near field communication (NFC). Without limitation, the access token may be transmitted via Bluetooth, Wi-Fi, RFID.

In another example, the one or more processors 102 may be configured to transmit the access token to a second application 111 comprising instructions for execution on the second device 112. The one or more processors 102 may be configured to transmit, after one or more entries of the communication interface 107 into a communication field of the second device 112, the access token. The one or more entries may be associated with at least one selected from the group of a tap, a swipe, a wave, and/or any combination thereof. For example, the one or more processors 102 may be configured to transmit the access token to the second application 111. The access token may be transmitted via near field communication (NFC). Without limitation, the access token may be transmitted via Bluetooth, Wi-Fi, RFID.

In another example, the one or more processors 102 may be configured to transmit the access token to an application 115 comprising instructions for execution on a third device. 117 The one or more processors 102 may be configured to transmit, after one or more entries of the communication interface 107 into a communication field of a third device 117, the access token. The one or more entries may be associated with at least one selected from the group of a tap, a swipe, a wave, and/or any combination thereof. The access token may be transmitted via near field communication (NFC). Without limitation, the access token may be transmitted via Bluetooth, Wi-Fi, RFID.

The access token may be transmitted for verification prior to providing access to one or more resources. For example, the application 115 comprising instructions for execution on a third device 117 may be configured to receive the access token from the one or more processors 102 and verify the access token by transmitting one or more requests to one or more servers 125. The one or more servers 125 may be configured to receive the one or more requests from the application 115 comprising instructions for execution on the third device 117. The one or more requests may include the access token. The one or more servers 125 may be configured to verify the access token by comparison with a reference access token to determine a successful match. In some examples, the server 125 may be configured to verify the access token. If the comparison between the access token and reference access token yields a successful match, the access token is verified and access is provided to one or more resources. If the comparison between the access token and the reference access token yields an unsuccessful match, access to one or more resources may further proceed in the following manner. For example, the access to one or more resources may be denied based on the determination of an unsuccessful match. In another example, the access to one or more resources may be re-attempted up to and including a predetermined threshold number of times by re-sending and re-receiving the access token before denying access to one or more resources. In this manner, access to one or more resources may be denied and/or permission privileges may be revoked after token usage, as further discussed below.

In some examples, a database 130 may be configured to verify the access token. For example, the one or more servers 125 may be configured to verify the access token by transmitting one or more requests to a database 130. The one or more requests may include the access token. The database 130 may be configured to receive the one or more requests from the one or more servers 125. The database 130 may be configured to verify the access token by comparison with a reference access token to determine a successful match. If the comparison between the access token and reference access token yields a successful match, the access token is verified and access is provided to one or more resources. If the comparison between the access token and the reference access token yields an unsuccessful match, access to one or more resources may further proceed in the following manner. In some examples, the access to one or more resources may be denied based on the determination of an unsuccessful match. In other examples, the request for access to one or more resources may be re-attempted up to and including a predetermined threshold number of times by re-sending and re-receiving the access token before denying access to one or more resources. In this manner, access to one or more resources may be denied and/or permission privileges may be revoked after token usage, as further discussed below.

The access token may comprise a limited use token. The access token may include one or more elements, such as an access identifier. The access identifier may be configured to allow a user to be identified across a plurality of systems, such as the first system and the second system. The access identifier may be unique to the user, tied to a login session, and/or any combination thereof. In some examples, the access identifier may comprise a group of identifiers which may be configured to describe the user as belonging to one or more access groups. In some examples, the token may include a one-time use token. In other examples, the token may include a time-based token. For example, the token may be restricted to usage for a predetermined time period, such as at least one selected from the group of seconds, minutes, hours, days, weeks, months, years, and/or any combination thereof. After the token has been used, for example after a one-time usage and/or after expiration of a predetermined time period usage, the token may be invalidated and no longer usable.

In some examples, the first application 110 comprising instructions for execution on the second device 112 may be a different application than the second application 111 comprising instructions for execution on the second device 112. In some examples, the second device 112 may be a different device than the third device 117. In some examples, the third device 117 may be external to the second device 112. For example, the third device 117 may not be part of the second device 112. In some examples, the third device 117 may be integral with the second device 112. For example, the third device 117 may be a part of or internal to the second device 112. The third device 117 may comprise a reader, such as a card reader. In some examples, the card reader may be configured to provide access to a physical space. In some examples, the card reader may be configured to provide access to a digital experience. In some examples, the card reader may be configured to provide access to a ticketed event. In some examples, the card reader may be configured to provide access to a safe deposit box. In some examples, the card reader may be configured to provide access to another device, such as a network-enabled computer.

In other examples, the one or more processors 102 may be configured to receive one or more challenges via the communication interface 107 from the first application 110 comprising instructions for execution on the second device 112. The challenge may include a public key and an encrypted test. The one or more processors 102 may be configured to transmit one or more responses that are responsive to the one or more challenges via the communication interface 107. For example, the one or more processors 102 may be configured to transmit, via the communication interface 107, a challenge response to the first application 110 comprising instructions for execution on the second device 112.

In other examples, the one or more processors 102 may be configured to receive one or more challenges via the communication interface 107. For example, the one or more processors 102 may be configured to receive a challenge from the application 115 comprising instructions for execution on the third device 117. The challenge may include a public key and an encrypted test. The one or more processors 102 may be configured to transmit one or more responses that are responsive to the one or more challenges via the communication interface 107. For example, the one or more processors 102 may be configured to transmit, via the communication interface 107, a challenge response to the application 115 comprising instructions for execution on the third device 117.

The one or more processors 102 may be configured to decrypt the encrypted test. For example, the one or more processors 102 may be configured to decrypt the encrypted test using the private key and generate a decrypted test. In some examples, the one or more processors 102 may be configured to include the decrypted test in the challenge response transmitted, via the communication interface 107. In some examples, the one or more processors 102 may be configured to transmit, via the communication interface 107, the challenge response including the decrypted test to the first application 110 comprising instructions for execution on the second device 112. In other examples, the one or more processors 102 may be configured to transmit, via the communication interface 107, the challenge response including the decrypted test to the second application 111 comprising instructions for execution on the second device 112. In other examples, the one or more processors 102 may be configured to transmit, via the communication interface 107, the challenge response including the decrypted test to the application 115 comprising instructions for execution on the third device 117.

The second device 112 and/or third device 117 may be in data communication with one or more servers 125 and/or one or more databases 130. In some examples, the first application 110 and second application 111 comprising instructions for execution on the second device 112 may be in data communication with the one or more servers 125 and/or one or more databases 130 via network 120. The application 115 comprising instructions for execution on the third device 117 may be in data communication with the one or more servers 125 and/or one or more databases 130 via network 120. The server 125 may be configured to receive one or more challenges from the application 115 comprising instructions for execution on the third device 117. The application 115 comprising instructions for execution on the third device 117 may be configured to transmit the one or more challenges to the server 125. The challenge may include a public key and an encrypted test. The server 125 may be configured to transmit one or more responses to the application 115 comprising instructions for execution on the third device 117 and that are responsive to the one or more challenges. The server 125 may be configured to generate a decrypted test by decrypting the encrypted test using the private key. In addition, the server 125 may be configured to include the decrypted test in the challenge response.

In some examples, the card reader may be configured to provide access to one or more resources, such as a physical space. As discussed above, the card reader may be internal to the second device 112. In other examples, the card reader may be external to the second device 112, such as a part of a third device 117. For example, the access may be provided after successful authentication of the token. In some examples, the card reader may be configured to provide access to the physical space after one or more entries of the communication interface 107 into a communication field of a device, such as device 112 or device 117, associated with the card reader. Without limitation, the physical space may include any space of a building, a room, a school, a governmental agency, an elevator, or the like such that the card reader is configured to grant access thereto via the one or more entries that are part of the token validation. In some examples, the physical space may also include any space or location where mobile devices, such as a cell phone or tablet or laptop or universal serial bus device, are restricted or otherwise prohibited, such as a cloud server facility or governmental facility or any other secure facility.

In some examples, the card reader may be configured to provide access to a digital experience. As discussed above, the card reader may be internal to the second device 112. In other examples, the card reader may be external to the second device 112, such as a part of a third device 117. For example, the access may be provided after successful authentication of the token. In some examples, the card reader may be configured to provide access to the digital experience after one or more entries of the communication interface 107 into a communication field of a device, such as device 112 or device 117, associated with the card reader. Without limitation, the digital experience may be associated with any application comprising instructions for execution on any device, a virtual reality program, a mobile or web browser, an email client, a game, or the like.

In some examples, the card reader may be configured to provide access to a ticketed event. As discussed above, the card reader may be internal to the second device 112. In other examples, the card reader may be external to the second device 112, such as a part of a third device 117. For example, the access may be provided after successful authentication of the token. In some examples, the card reader may be configured to provide access to the ticketed event after one or more entries of the communication interface 107 into a communication field of a device, such as device 112 or device 117, associated with the card reader. Without limitation, the ticketed event may be associated with a school event, a sporting event, a concert event, a private event, a government event, a music event, or the like.

In some examples, the card reader may be configured to provide access to a safe deposit box. As discussed above, the card reader may be internal to the second device 112. In other examples, the card reader may be external to the second device 112, such as a part of a third device 117. For example, the access may be provided after successful authentication of the token. In some examples, the card reader may be configured to provide access to the safe deposit box after one or more entries of the communication interface 107 into a communication field of a device, such as device 112 or device 117, associated with the card reader. In some examples, the card reader may be external to the safe deposit box. In other examples, the card reader may be internal to the safe deposit box. In some examples, the safe deposit box may comprise a storage enclosure configured to store one or more items, such as a product or grocery item, available for access to the retrievable one or more items.

In some examples, the card reader may be configured to provide access to another device, such as a network-enabled computer. In other examples, the card reader can be configured to provide access to a secure or offline computer, configured for communication only with the card reader. The card reader may be configured to read the access token from the first device 105 and pass it to the reader. The card reader may be configured to share the access token with or otherwise make accessible to the authentication system 100. As previously explained, to the extent that the authentication system 100 respects the access token, through a protocol such as OAuth or SAML, then the user may gain access to authentication system 100.

FIG. 2A illustrates one or more first devices 200. First device 200 may reference the same or similar components of first device 105, as explained above with respect to FIG. 1. Although FIGS. 2A and 2B illustrate single instances of components of first device 200, any number of components may be utilized.

First device 200 may be configured to communicate with one or more components of system 100. First device 200 may comprise a contact-based card or contactless card, which may comprise a payment card, such as a credit card, debit card, or gift card, issued by a service provider 205 displayed on the front or back of the card 200. In some examples, the contactless card 200 is not related to a payment card, and may comprise, without limitation, an identification card, a membership card, and a transportation card. In some examples, the payment card may comprise a dual interface contactless payment card. The contactless card 200 may comprise a substrate 210, which may include a single layer or one or more laminated layers composed of plastics, metals, and other materials. Exemplary substrate materials include polyvinyl chloride, polyvinyl chloride acetate, acrylonitrile butadiene styrene, polycarbonate, polyesters, anodized titanium, palladium, gold, carbon, paper, and biodegradable materials. In some examples, the contactless card 200 may have physical characteristics compliant with the ID-1 format of the ISO/IEC 7810 standard, and the contactless card may otherwise be compliant with the ISO/IEC 14443 standard. However, it is understood that the contactless card 200 according to the present disclosure may have different characteristics, and the present disclosure does not require a contactless card to be implemented in a payment card.

The contactless card 200 may also include identification information 215 displayed on the front and/or back of the card, and a contact pad 220. The contact pad 220 may be configured to establish contact with another communication device, including but not limited to a user device, smart phone, laptop, desktop, or tablet computer. The contactless card 200 may also include processing circuitry, antenna and other components not shown in FIG. 2A. These components may be located behind the contact pad 220 or elsewhere on the substrate 210. The contactless card 200 may also include a magnetic strip or tape, which may be located on the back of the card (not shown in FIG. 2A).

As illustrated in FIG. 2B, the contact pad 220 of FIG. 2A may include processing circuitry 225 for storing and processing information, including a processor 230, such as a microprocessor, and a memory 235. It is understood that the processing circuitry 225 may contain additional components, including processors, memories, error and parity/CRC checkers, data encoders, anticollision algorithms, controllers, command decoders, security primitives and tamperproofing hardware, as necessary to perform the functions described herein.

The memory 235 may be a read-only memory, write-once read-multiple memory or read/write memory, e.g., RAM, ROM, and EEPROM, and the contactless card 200 may include one or more of these memories. A read-only memory may be factory programmable as read-only or one-time programmable. One-time programmability provides the opportunity to write once then read many times. A write once/read-multiple memory may be programmed at a point in time after the memory chip has left the factory. Once the memory is programmed, it may not be rewritten, but it may be read many times. A read/write memory may be programmed and re-programed many times after leaving the factory. It may also be read many times.

The memory 235 may be configured to store one or more applets 240, one or more counters 245, and a customer identifier 250. The one or more applets 240 may comprise one or more software applications configured to execute on one or more contactless cards, such as Java Card applet. However, it is understood that applets 240 are not limited to Java Card applets, and instead may be any software application operable on contactless cards or other devices having limited memory. The one or more counters 245 may comprise a numeric counter sufficient to store an integer. The customer identifier 250 may comprise a unique alphanumeric identifier assigned to a user of the contactless card 200, and the identifier may distinguish the user of the contactless card from other contactless card users. In some examples, the customer identifier 250 may identify both a customer and an account assigned to that customer and may further identify the contactless card associated with the customer's account.

The processor and memory elements of the foregoing exemplary embodiments are described with reference to the contact pad, but the present disclosure is not limited thereto. It is understood that these elements may be implemented outside of the pad 220 or entirely separate from it, or as further elements in addition to processor 230 and memory 235 elements located within the contact pad 220.

In some examples, the contactless card 200 may comprise one or more antennas 255. The one or more antennas 255 may be placed within the contactless card 200 and around the processing circuitry 225 of the contact pad 220. For example, the one or more antennas 255 may be integral with the processing circuitry 225 and the one or more antennas 255 may be used with an external booster coil. As another example, the one or more antennas 255 may be external to the contact pad 220 and the processing circuitry 225.

In an embodiment, the coil of contactless card 200 may act as the secondary of an air core transformer. The terminal may communicate with the contactless card 200 by cutting power or amplitude modulation. The contactless card 200 may infer the data transmitted from the terminal using the gaps in the contactless card's power connection, which may be functionally maintained through one or more capacitors. The contactless card 200 may communicate back by switching a load on the contactless card's coil or load modulation. Load modulation may be detected in the terminal's coil through interference.

FIG. 3 depicts a method 300 of authentication. FIG. 3 may reference the same or similar components of system 100, and first device 200 of FIG. 2A and FIG. 2B.

At block 305, the method 300 may include creating a cryptogram using at least one key and a counter value. For example, one or more processors of a first device may be configured to create a cryptogram using the at least one key and the counter value. The cryptogram may include the counter value and the transmission data. The first device may include a memory containing one or more keys, including the at least one key, a counter value, and the transmission data. The first device may further include a communication interface.

At block 310, the method 300 may include transmitting the cryptogram. For example, the one or more processors may be configured to transmit the cryptogram via the communication interface. For example, the one or more processors may be configured to transmit the cryptogram to one or more applications. In some examples, the one or more processors may be configured to transmit the cryptogram to a first application comprising instructions for execution on a second device.

At block 315, the method 300 may include updating the counter value. For example, the one or more processors may be configured to update the counter value after transmission of the cryptogram.

At block 320, the method 300 may include receiving, via a communication interface, an encrypted access token. For example, the one or more processors may be configured to receive an access token via the communication interface. In some examples, the one or more processors may be configured to receive the access token from the first application. In some examples, the access token may be generated and/or encrypted by the first application. In some examples, the access token may be created when a user authenticates into a first or primary system, which may comprise an application, including but not limited to first application comprising instructions for execution on second device, or a network login. At that point, the access token may be created that encapsulates the security identity that has been established through presenting one or more credentials, including but not limited to at least one selected from the group of a username and/or password, a mobile device number, an account number, a card number, and a biometric (e.g., facial scan, a retina scan, a fingerprint, and a voice input for voice recognition). A database that is initially authenticated against, may be configured to create the token. In this model, the access token is then encrypted and transmitted to the first device for secure storage. When a user wishes to gain access to a second system, the first device may be presented and the second system may be configured to query for it. To the extent that the access token is still valid and the first and second systems respect each other, through a protocol such as OAuth or SAML, the user may gain access to the secondary system. In some examples, the access token may be encrypted prior to transmission. For example, the first application may be configured to encrypt the access token prior to transmission to the one or more processors of the first device.

At block 325, the method 300 may include decrypting the encrypted access token. For example, the one or more processors may be configured to decrypt the access token.

At block 330, the method 300 may include storing the decrypted access token. For example, the one or more processors may be configured to store the access token in the memory.

At block 335, the method 300 may include transmitting, after entry of the communication interface into a communication field, the access token for authentication to receive access to one or more resources. For example, the one or more processors may be configured to transmit, after one or more entries of the communication interface into a communication field of any device, the access token. The one or more entries may be associated with at least one selected from the group of a tap, a swipe, a wave, and/or any combination thereof. For example, the one or more processors may be configured to transmit the access token to the first application. The access token may be transmitted via near field communication (NFC). Without limitation, the access token may be transmitted via Bluetooth, Wi-Fi, RFID.

In another example, the one or more processors may be configured to transmit the access token to a second application comprising instructions for execution on the second device. The one or more processors may be configured to transmit, after one or more entries of the communication interface into a communication field of the second device, the access token. The one or more entries may be associated with at least one selected from the group of a tap, a swipe, a wave, and/or any combination thereof. For example, the one or more processors may be configured to transmit the access token to the second application. The access token may be transmitted via near field communication (NFC). Without limitation, the access token may be transmitted via Bluetooth, Wi-Fi, RFID.

In another example, the one or more processors may be configured to transmit the access token to an application comprising instructions for execution on a third device. The one or more processors may be configured to transmit, after one or more entries of the communication interface into a communication field of a third device, the access token. The one or more entries may be associated with at least one selected from the group of a tap, a swipe, a wave, and/or any combination thereof. The access token may be transmitted via near field communication (NFC). Without limitation, the access token may be transmitted via Bluetooth, Wi-Fi, RFID.

The access token may be transmitted for verification prior to providing access to one or more resources. For example, the application comprising instructions for execution on a third device may be configured to receive the access token from the one or more processors and verify the access token by transmitting one or more requests to one or more servers. The one or more servers may be configured to receive the one or more requests from the application comprising instructions for execution on the third device. The one or more requests may include the access token. The one or more servers may be configured to verify the access token by comparison with a reference access token to determine a successful match. In some examples, the server may be configured to verify the access token. If the comparison between the access token and reference access token yields a successful match, the access token is verified and access is provided to one or more resources. If the comparison between the access token and the reference access token yields an unsuccessful match, access to one or more resources may further proceed in the following manner. For example, the access to one or more resources may be denied based on the determination of an unsuccessful match. In another example, the access to one or more resources may be re-attempted up to and including a predetermined threshold number of times by re-sending and re-receiving the access token before denying access to one or more resources. In this manner, access to one or more resources may be denied and/or permission privileges may be revoked after token usage, as further discussed below.

In some examples, a database may be configured to verify the access token. For example, the one or more servers may be configured to verify the access token by transmitting one or more requests to a database. The one or more requests may include the access token. The database may be configured to receive the one or more requests from the one or more servers. The database may be configured to verify the access token by comparison with a reference access token to determine a successful match. If the comparison between the access token and reference access token yields a successful match, the access token is verified and access is provided to one or more resources. If the comparison between the access token and the reference access token yields an unsuccessful match, access to one or more resources may further proceed in the following manner. In some examples, the access to one or more resources may be denied based on the determination of an unsuccessful match. In other examples, the request for access to one or more resources may be re-attempted up to and including a predetermined threshold number of times by re-sending and re-receiving the access token before denying access to one or more resources. In this manner, access to one or more resources may be denied and/or permission privileges may be revoked after token usage, as further discussed below.

The access token may comprise a limited use token. The access token may include one or more elements, such as an access identifier. The access identifier may be configured to allow a user to be identified across a plurality of systems, such as the first system and the second system. The access identifier may be unique to the user, tied to a login session, and/or any combination thereof. In some examples, the access identifier may comprise a group of identifiers which may be configured to describe the user as belonging to one or more access groups. In some examples, the token may include a one-time use token. In other examples, the token may include a time-based token. For example, the token may be restricted to usage for a predetermined time period, such as at least one selected from the group of seconds, minutes, hours, days, weeks, months, years, and/or any combination thereof. After the token has been used, for example after a one-time usage and/or after expiration of a predetermined time period usage, the token may be invalidated and no longer usable.

In some examples, the first application comprising instructions for execution on the second device may be a different application than the second application comprising instructions for execution on the second device. In some examples, the second device may be a different device than the third device. In some examples, the third device may be external to the second device. For example, the third device may not be part of the second device. In some examples, the third device may be integral with the second device. For example, the third device may be a part of or internal to the second device. The third device may comprise a reader, such as a card reader. In some examples, the card reader may be configured to provide access to a physical space. In some examples, the card reader may be configured to provide access to a digital experience. In some examples, the card reader may be configured to provide access to a ticketed event. In some examples, the card reader may be configured to provide access to a safe deposit box.

In other examples, the one or more processors may be configured to receive one or more challenges via the communication interface from the first application comprising instructions for execution on the second device. The challenge may include a public key and an encrypted test. The one or more processors may be configured to transmit one or more responses that are responsive to the one or more challenges via the communication interface. For example, the one or more processors may be configured to transmit, via the communication interface, a challenge response to the first application comprising instructions for execution on the second device.

In other examples, the one or more processors may be configured to receive one or more challenges via the communication interface. For example, the one or more processors may be configured to receive a challenge from the application comprising instructions for execution on the third device. The challenge may include a public key and an encrypted test. The one or more processors may be configured to transmit one or more responses that are responsive to the one or more challenges via the communication interface. For example, the one or more processors may be configured to transmit, via the communication interface, a challenge response to the application comprising instructions for execution on the third device.

The one or more processors may be configured to decrypt the encrypted test. For example, the one or more processors may be configured to decrypt the encrypted test using the private key and generate a decrypted test. In some examples, the one or more processors may be configured to include the decrypted test in the challenge response transmitted, via the communication interface. In some examples, the one or more processors may be configured to transmit, via the communication interface, the challenge response including the decrypted test to the first application comprising instructions for execution on the second device. In other examples, the one or more processors may be configured to transmit, via the communication interface, the challenge response including the decrypted test to the second application comprising instructions for execution on the second device. In other examples, the one or more processors may be configured to transmit, via the communication interface, the challenge response including the decrypted test to the application comprising instructions for execution on the third device.

The second device and/or third device may be in data communication with one or more servers and/or one or more databases. In some examples, the first application and second application comprising instructions for execution on the second device may be in data communication with the one or more servers and/or one or more databases. The application comprising instructions for execution on the third device may be in data communication with the one or more servers and/or one or more databases. The server may be configured to receive one or more challenges from the application comprising instructions for execution on the third device. The application comprising instructions for execution on the third device may be configured to transmit the one or more challenges to the server. The challenge may include a public key and an encrypted test. The server may be configured to transmit one or more responses to the application comprising instructions for execution on the third device and that are responsive to the one or more challenges. The server may be configured to generate a decrypted test by decrypting the encrypted test using the private key. In addition, the server may be configured to include the decrypted test in the challenge response.

In some examples, the card reader may be configured to provide access to one or more resources, such as a physical space. As discussed above, the card reader may be internal to the second device. In other examples, the card reader may be external to the second device, such as a part of a third device. For example, the access may be provided after successful authentication of the token. In some examples, the card reader may be configured to provide access to the physical space after one or more entries of the communication interface into a communication field of a device associated with the card reader. Without limitation, the physical space may include any space of a building, a room, a school, a governmental agency, an elevator, or the like such that the card reader is configured to grant access thereto via the one or more entries that are part of the token validation. In some examples, the physical space may also include any space or location where mobile devices, such as a cell phone or tablet or laptop or universal serial bus device, are restricted or otherwise prohibited, such as a cloud server facility or governmental facility or any other secure facility.

In some examples, the card reader may be configured to provide access to a digital experience. As discussed above, the card reader may be internal to the second device. In other examples, the card reader may be external to the second device, such as a part of a third device. For example, the access may be provided after successful authentication of the token. In some examples, the card reader may be configured to provide access to the digital experience after one or more entries of the communication interface into a communication field of a device associated with the card reader. Without limitation, the digital experience may be associated with any application comprising instructions for execution on any device, a virtual reality program, a mobile or web browser, an email client, a game, or the like.

In some examples, the card reader may be configured to provide access to a ticketed event. As discussed above, the card reader may be internal to the second device. In other examples, the card reader may be external to the second device, such as a part of a third device. For example, the access may be provided after successful authentication of the token. In some examples, the card reader may be configured to provide access to the ticketed event after one or more entries of the communication interface into a communication field of a device associated with the card reader. Without limitation, the ticketed event may be associated with a school event, a sporting event, a concert event, a private event, a government event, a music event, or the like.

In some examples, the card reader may be configured to provide access to a safe deposit box. As discussed above, the card reader may be internal to the second device. In other examples, the card reader may be external to the second device, such as a part of a third device. For example, the access may be provided after successful authentication of the token. In some examples, the card reader may be configured to provide access to the safe deposit box after one or more entries of the communication interface into a communication field of a device associated with the card reader. In some examples, the card reader may be external to the safe deposit box. In other examples, the card reader may be internal to the safe deposit box. In some examples, the safe deposit box may comprise a storage enclosure configured to store one or more items, such as a product or grocery item, available for access to the retrievable one or more items.

FIG. 4 depicts a sequence diagram 400 of a process for authentication according to an exemplary embodiment. FIG. 4 may reference the same or similar components of system 100, first device 200 of FIG. 2A and FIG. 2B, and method 300 of FIG. 3.

At step 405, one or more processors may be configured to transmit a cryptogram via a communication interface. For example, one or more processors of a first device may be configured to create a cryptogram using the at least one key and the counter value. The cryptogram may include the counter value and the transmission data. The first device may include a memory containing one or more keys, including the at least one key, a counter value, and the transmission data. The first device may further include a communication interface. For example, the one or more processors may be configured to transmit the cryptogram via the communication interface. For example, the one or more processors may be configured to transmit the cryptogram to one or more applications of a user device or a second device. In some examples, the one or more processors may be configured to transmit the cryptogram to a first application comprising instructions for execution on a second device.

At step 410, an application of a user device or second device may be configured to transmit an encrypted first token. For example, the application of the user device may be configured to transmit, via a communication interface, an encrypted first token after validation of the cryptogram. The encrypted first token may comprise an encrypted access token. In some examples, the access token may be generated and/or encrypted by the first application. In some examples, the access token may be created when a user authenticates into a first or primary system, which may comprise an application, including but not limited to first application comprising instructions for execution on second device, or a network login. At that point, the access token may be created that encapsulates the security identity that has been established through presenting one or more credentials, including but not limited to at least one selected from the group of a username and/or password, a mobile device number, an account number, a card number, and a biometric (e.g., facial scan, a retina scan, a fingerprint, and a voice input for voice recognition). A database that is initially authenticated against, may be configured to create the token. In this model, the access token is then encrypted and transmitted to the first device for secure storage. When a user wishes to gain access to a second system, the first device may be presented and the second system may be configured to query for it. To the extent that the access token is still valid and the first and second systems respect each other, through a protocol such as OAuth or SAML, the user may gain access to the secondary system. In some examples, the access token may be encrypted prior to transmission. For example, the first application may be configured to encrypt the access token prior to transmission to the one or more processors of the first device.

The first token may comprise a limited use token. The access token may include one or more elements, such as an access identifier. The access identifier may be configured to allow a user to be identified across a plurality of systems, such as the first system and the second system. The access identifier may be unique to the user, tied to a login session, and/or any combination thereof. In some examples, the access identifier may comprise a group of identifiers which may be configured to describe the user as belonging to one or more access groups. In some examples, the token may include a one-time use token. In other examples, the token may include a time-based token. For example, the token may be restricted to usage for a predetermined time period, such as at least one selected from the group of seconds, minutes, hours, days, weeks, months, years, and/or any combination thereof. After the token has been used, for example after a one-time usage and/or after expiration of a predetermined time period usage, the token may be invalidated and no longer usable.

At step 415, the one or more processors may be configured to decrypt the encrypted first token and store into memory. For example, the one or more processors may be configured to receive an encrypted first token via the communication interface from the application of the user device. The decrypted first token may be stored into memory of the first device.

At step 420, the one or more processors may be configured to transmit, after entry of the communication interface into a communication field of a reader, the first token to a reader. As previously discussed, the reader may be external to the user device. In other examples, the reader may be internal to the user device. The reader may be a different device than the user device. The reader may include an application comprising instructions for execution that differs from the application comprising instructions for execution on the user device. The reader may be configured to read one or more messages from a tag, such as an NFC tag, from the first device.

The one or more processors may be configured to transmit the first token to an application comprising instructions for execution on a third device, such as a reader. The one or more processors may be configured to transmit, after one or more entries of the communication interface into a communication field of a third device, the access token. The one or more entries may be associated with at least one selected from the group of a tap, a swipe, a wave, and/or any combination thereof. The access token may be transmitted via near field communication (NFC). Without limitation, the access token may be transmitted via Bluetooth, Wi-Fi, RFID.

At step 425, the reader may be configured to transmit one or more challenges to the one or more processors. For example, the one or more processors may be configured to receive one or more challenges via the communication interface from the reader. For example, the one or more processors may be configured to receive a challenge from the application comprising instructions for execution on the third device. The challenge may include a public key and an encrypted test.

At step 430, the one or more processors may be configured to transmit one or more challenge responses, responsive to the one or more challenges, to the reader. For example, the one or more processors may be configured to transmit one or more responses that are responsive to the one or more challenges via the communication interface to the reader. For example, the one or more processors may be configured to transmit, via the communication interface, a challenge response to the application comprising instructions for execution on the third device. The one or more processors may be configured to decrypt the encrypted test. For example, the one or more processors may be configured to decrypt the encrypted test using the private key and generate a decrypted test. In some examples, the one or more processors may be configured to include the decrypted test in the challenge response transmitted, via the communication interface. For example, the one or more processors may be configured to transmit, via the communication interface, the challenge response including the decrypted test to the application comprising instructions for execution on the third device.

At step 435, the reader may be configured to authenticate the one or more challenge responses to grant access to one or more resources. In some examples, the card reader may be configured to provide access to a physical space. In some examples, the card reader may be configured to provide access to a digital experience. In some examples, the card reader may be configured to provide access to a ticketed event. In some examples, the card reader may be configured to provide access to a safe deposit box.

In some examples, the card reader may be configured to provide access to one or more resources, such as a physical space. As discussed above, the card reader may be internal to the second device. In other examples, the card reader may be external to the second device, such as a part of a third device. For example, the access may be provided after successful authentication of the token. In some examples, the card reader may be configured to provide access to the physical space after one or more entries of the communication interface into a communication field of a device associated with the card reader. Without limitation, the physical space may include any space of a building, a room, a school, a governmental agency, an elevator, or the like such that the card reader is configured to grant access thereto via the one or more entries that are part of the token validation. In some examples, the physical space may also include any space or location where mobile devices, such as a cell phone or tablet or laptop or universal serial bus device, are restricted or otherwise prohibited, such as a cloud server facility or governmental facility or any other secure facility.

In some examples, the card reader may be configured to provide access to a digital experience. As discussed above, the card reader may be internal to the second device. In other examples, the card reader may be external to the second device, such as a part of a third device. For example, the access may be provided after successful authentication of the token. In some examples, the card reader may be configured to provide access to the digital experience after one or more entries of the communication interface into a communication field of a device associated with the card reader. Without limitation, the digital experience may be associated with any application comprising instructions for execution on any device, a virtual reality program, a mobile or web browser, an email client, a game, or the like.

In some examples, the card reader may be configured to provide access to a ticketed event. As discussed above, the card reader may be internal to the second device. In other examples, the card reader may be external to the second device, such as a part of a third device. For example, the access may be provided after successful authentication of the token. In some examples, the card reader may be configured to provide access to the ticketed event after one or more entries of the communication interface into a communication field of a device associated with the card reader. Without limitation, the ticketed event may be associated with a school event, a sporting event, a concert event, a private event, a government event, a music event, or the like.

In some examples, the card reader may be configured to provide access to a safe deposit box. As discussed above, the card reader may be internal to the second device. In other examples, the card reader may be external to the second device, such as a part of a third device. For example, the access may be provided after successful authentication of the token. In some examples, the card reader may be configured to provide access to the safe deposit box after one or more entries of the communication interface into a communication field of a device associated with the card reader. In some examples, the card reader may be external to the safe deposit box. In other examples, the card reader may be internal to the safe deposit box. In some examples, the safe deposit box may comprise a storage enclosure configured to store one or more items, such as a product or grocery item, available for access to the retrievable one or more items.

FIG. 5 depicts an authentication system 500 according to an exemplary embodiment. FIG. 5 may reference the same or similar components of system 100, first device 200 of FIG. 2A and FIG. 2B, method 300 of FIG. 3, and sequence diagram 400 of FIG. 4. Authentication system 500 may include first device 505, second device 510, and network 515. Although FIG. 5 illustrates single instances of components of system 500, system 500 may include any number of components.

System 500 may include a first device 505. The first device 505 may comprise a contactless card, a contact-based card, or other device described herein. As previously explained, first device 505 may include one or more processors 502, and memory 504. Memory 504 may include one or more applets 506 and one or more counters 508. Each counter 508 may include a counter value. Memory 504 may include the counter value, transmission data, and at least one key.

First device 505 may include a communication interface 507. The communication interface 507 may comprise communication capabilities with physical interfaces and contactless interfaces. For example, the communication interface 507 may be configured to communicate with a physical interface, such as by swiping through a card swipe interface or inserting into a card chip reader found on an automated teller machine (ATM) or other device configured to communicate over a physical interface. In other examples, the communication interface 507 may be configured to establish contactless communication with a card reading device via a short-range wireless communication method, such as NFC, Bluetooth, Wi-Fi, RFID, and other forms of contactless communication. As shown in FIG. 5, the communication interface 507 may be configured to communicate directly with the second device 510 via network 515.

First device 505 may be in data communication with any number of components of system 100. For example, first device 505 may transmit data via network 515 to second device 510. First device 505 may transmit and/or receive data via network 515. In some examples, first device 505 may be configured to transmit data via network 515 after entry of communication interface 507 into one or more communication fields of any device. Without limitation, each entry may be associated with a tap, a swipe, a wave, and/or any combination thereof.

System 500 may include a second device 510. The second device 510 may include one or more processors 512, memory 514, and reader 519. Memory 514 may include one or more applications, including but not limited to first application 516 and second application 518. The reader 519 may be configured to read one or more messages from a tag, such as an NFC tag, from the first device 505. Second device 510 may be in data communication with any number of components of system 500. For example, second device 510 may transmit and/or receive data via network 515 to and from first device 505. Without limitation, second device 510 may be a network-enabled computer. As referred to herein, a network-enabled computer may include, but is not limited to a computer device, or communications device including, e.g., a server, a network appliance, a personal computer, a workstation, a phone, a handheld PC, a personal digital assistant, a contactless card, a thin client, a fat client, an Internet browser, a kiosk, a tablet, a terminal, or other device. Second device 510 also may be a mobile device; for example, a mobile device may include an iPhone, iPod, iPad from Apple® or any other mobile device running Apple's iOS® operating system, any device running Microsoft's Windows® Mobile operating system, any device running Google's Android® operating system, and/or any other smartphone, tablet, or like wearable mobile device.

The second device 510 may include processing circuitry and may contain additional components, including processors, memories, error and parity/CRC checkers, data encoders, anticollision algorithms, controllers, command decoders, security primitives and tamperproofing hardware, as necessary to perform the functions described herein. The second device 510 may further include a display and input devices. The display may be any type of device for presenting visual information such as a computer monitor, a flat panel display, and a mobile device screen, including liquid crystal displays, light-emitting diode displays, plasma panels, and cathode ray tube displays. The input devices may include any device for entering information into the user's device that is available and supported by the user's device, such as a touch-screen, keyboard, mouse, cursor-control device, touch-screen, microphone, digital camera, video recorder or camcorder. These devices may be used to enter information and interact with the software and other devices described herein.

System 500 may include a network 515. In some examples, network 515 may be one or more of a wireless network, a wired network or any combination of wireless network and wired network, and may be configured to connect to any one of components of system 500. For example, first device 505 may be configured to connect to device 510 via network 515. In some examples, network 515 may include one or more of a fiber optics network, a passive optical network, a cable network, an Internet network, a satellite network, a wireless local area network (LAN), a Global System for Mobile Communication, a Personal Communication Service, a Personal Area Network, Wireless Application Protocol, Multimedia Messaging Service, Enhanced Messaging Service, Short Message Service, Time Division Multiplexing based systems, Code Division Multiple Access based systems, D-AMPS, Wi-Fi, Fixed Wireless Data, IEEE 802.11b, 802.15.1, 802.11n and 802.11g, Bluetooth, NFC, Radio Frequency Identification (RFID), Wi-Fi, and/or the like.

In addition, network 515 may include, without limitation, telephone lines, fiber optics, IEEE Ethernet 902.3, a wide area network, a wireless personal area network, a LAN, or a global network such as the Internet. In addition, network 515 may support an Internet network, a wireless communication network, a cellular network, or the like, or any combination thereof. Network 515 may further include one network, or any number of the exemplary types of networks mentioned above, operating as a stand-alone network or in cooperation with each other. Network 515 may utilize one or more protocols of one or more network elements to which they are communicatively coupled. Network 515 may translate to or from other protocols to one or more protocols of network devices. Although network 515 is depicted as a single network, it should be appreciated that according to one or more examples, network 515 may comprise a plurality of interconnected networks, such as, for example, the Internet, a service provider's network, a cable television network, corporate networks, such as credit card association networks, and home networks.

In some examples, exemplary procedures in accordance with the present disclosure described herein can be performed by a processing arrangement and/or a computing arrangement (e.g., computer hardware arrangement). Such processing/computing arrangement can be, for example entirely or a part of, or include, but not limited to, a computer/processor that can include, for example one or more microprocessors, and use instructions stored on a computer-accessible medium (e.g., RAM, ROM, hard drive, or other storage device). For example, a computer-accessible medium can be part of the memory of the first device 505, or other computer hardware arrangement.

In some examples, a computer-accessible medium (e.g., as described herein above, a storage device such as a hard disk, floppy disk, memory stick, CD-ROM, RAM, ROM, etc., or a collection thereof) can be provided (e.g., in communication with the processing arrangement). The computer-accessible medium can contain executable instructions thereon. In addition or alternatively, a storage arrangement can be provided separately from the computer-accessible medium, which can provide the instructions to the processing arrangement so as to configure the processing arrangement to execute certain exemplary procedures, processes, and methods, as described herein above, for example.

The one or more processors 502 may be configured to create a cryptogram using the at least one key and the counter value. The cryptogram may include the counter value and the transmission data. The one or more processors 502 may be configured to transmit the cryptogram via the communication interface 507. For example, the one or more processors 502 may be configured to transmit the cryptogram to one or more applications for verification. In some examples, the one or more processors 502 may be configured to transmit the cryptogram to a first application 516 comprising instructions for execution on a second device 510. The one or more processors 502 may be configured to update the counter value after transmission and verification of the cryptogram. The one or more processors 502 may be configured to receive an access token via the communication interface 507 after verification of the cryptogram. For example, the one or more processors 502 may be configured to receive the access token from the first application 516. In some examples, the access token may be generated and/or encrypted by the first application 516. In some examples, the access token may be created when a user authenticates into a first or primary system, which may comprise an application, including but not limited to first application 516 comprising instructions for execution on first device 510, or a network login, including but not limited to login associated with network 515. At that point, the access token may be created that encapsulates the security identity that has been established through presenting one or more credentials, including but not limited to at least one selected from the group of a username and/or password, a mobile device number, an account number, a card number, and a biometric (e.g., facial scan, a retina scan, a fingerprint, and a voice input for voice recognition). A database may also be included of system 500 and is initially authenticated against, may be configured to create the token. In this model, the access token is then encrypted and transmitted to the first device 505 for secure storage. When a user wishes to gain access to a second system, the first device 505 may be presented and the second system may be configured to query for it. To the extent that the access token is still valid and the first and second systems respect each other, through a protocol such as OAuth or SAM), the user may gain access to the secondary system. In some examples, the access token may be encrypted prior to transmission. For example, the first application 516 may be configured to encrypt the access token prior to transmission to the one or more processors 502 of the first device 505.

The one or more processors 502 may be configured to decrypt the access token. The one or more processors 502 may be configured to store the access token in the memory 504. The one or more processors 502 may be configured to transmit, after one or more entries of the communication interface 507 into a communication field of any device, the access token. The one or more entries may be associated with at least one selected from the group of a tap, a swipe, a wave, and/or any combination thereof. For example, the one or more processors 502 may be configured to transmit the access token to the first application 516. The access token may be transmitted via near field communication (NFC). Without limitation, the access token may be transmitted via Bluetooth, Wi-Fi, RFID.

The one or more processors 502 may be configured to transmit the access token to a second application 518 comprising instructions for execution on the second device 510. The one or more processors 502 may be configured to transmit, after one or more entries of the communication interface 507 into a communication field of the second device 510, the access token. The one or more entries may be associated with at least one selected from the group of a tap, a swipe, a wave, and/or any combination thereof. For example, the one or more processors 102 may be configured to transmit the access token to the second application 518. The access token may be transmitted via near field communication (NFC). Without limitation, the access token may be transmitted via Bluetooth, Wi-Fi, RFID. The access token may be transmitted for verification prior to providing access to one or more resources, as previously explained.

The access token may comprise a limited use token. The access token may include one or more elements, such as an access identifier. The access identifier may be configured to allow a user to be identified across a plurality of systems, such as the first system and the second system. The access identifier may be unique to the user, tied to a login session, and/or any combination thereof. In some examples, the access identifier may comprise a group of identifiers which may be configured to describe the user as belonging to one or more access groups. In some examples, the token may include a one-time use token. In other examples, the token may include a time-based token. For example, the token may be restricted to usage for a predetermined time period, such as at least one selected from the group of seconds, minutes, hours, days, weeks, months, years, and/or any combination thereof. After the token has been used, for example after a one-time usage and/or after expiration of a predetermined time period usage, the token may be invalidated and no longer usable.

In some examples, the first application 516 comprising instructions for execution on the second device 510 may be a different application than the second application 518 comprising instructions for execution on the second device 510. In some examples, the card reader 519 may be configured to provide access to a physical space. In some examples, the card reader 519 may be configured to provide access to a digital experience. In some examples, the card reader 519 may be configured to provide access to a ticketed event. In some examples, the card reader 519 may be configured to provide access to a safe deposit box.

In other examples, the one or more processors 502 may be configured to receive one or more challenges via the communication interface 507 from the first application 516 or second application 518 comprising instructions for execution on the second device 510. The challenge may include a public key and an encrypted test. The one or more processors 502 may be configured to transmit one or more responses that are responsive to the one or more challenges via the communication interface 507. For example, the one or more processors 502 may be configured to transmit, via the communication interface 507, a challenge response to the first application 516 or second application 518 comprising instructions for execution on the second device 510.

The one or more processors 502 may be configured to decrypt the encrypted test. For example, the one or more processors 502 may be configured to decrypt the encrypted test using the private key and generate a decrypted test. In some examples, the one or more processors 502 may be configured to include the decrypted test in the challenge response transmitted, via the communication interface 507. In some examples, the one or more processors 502 may be configured to transmit, via the communication interface 507, the challenge response including the decrypted test to the first application 516 or second application 518 comprising instructions for execution on the second device 510.

In some examples, the card reader 519 may be configured to provide access to one or more resources, such as a physical space. As discussed above, the card reader may be internal to the second device 510. For example, the access may be provided after successful authentication of the token. In some examples, the card reader 519 may be configured to provide access to the physical space after one or more entries of the communication interface 507 into a communication field of a device, such as device 510, associated with the card reader 519. Without limitation, the physical space may include any space of a building, a room, a school, a governmental agency, an elevator, or the like such that the card reader is configured to grant access thereto via the one or more entries that are part of the token validation. In some examples, the physical space may also include any space or location where mobile devices, such as a cell phone or tablet or laptop or universal serial bus device, are restricted or otherwise prohibited, such as a cloud server facility or governmental facility or any other secure facility.

In some examples, the card reader 519 may be configured to provide access to a digital experience. As discussed above, the card reader may be internal to the second device 510. For example, the access may be provided after successful authentication of the token. In some examples, the card reader 519 may be configured to provide access to the digital experience after one or more entries of the communication interface 507 into a communication field of a device, such as device 510, associated with the card reader 519. Without limitation, the digital experience may be associated with any application comprising instructions for execution on any device, a virtual reality program, a mobile or web browser, an email client, a game, or the like. In some examples, the first application 516 may be configured to generate and transmit the access token to the first device 505, and the second application 518 may be associated with the digital experience.

In some examples, the card reader 519 may be configured to provide access to a ticketed event. As discussed above, the card reader may be internal to the second device 510. For example, the access may be provided after successful authentication of the token. In some examples, the card reader 519 may be configured to provide access to the ticketed event after one or more entries of the communication interface 507 into a communication field of a device, such as device 510, associated with the card reader 519. Without limitation, the ticketed event may be associated with a school event, a sporting event, a concert event, a private event, a government event, a music event, or the like.

In some examples, the card reader 519 may be configured to provide access to a safe deposit box. As discussed above, the card reader 519 may be internal to the second device 510. For example, the access may be provided after successful authentication of the token. In some examples, the card reader 519 may be configured to provide access to the safe deposit box after one or more entries of the communication interface 507 into a communication field of a device, such as device 510, associated with the card reader 519. In some examples, the card reader may be external to the safe deposit box. In some examples, the safe deposit box may comprise a storage enclosure configured to store one or more items, such as a product or grocery item, available for access to the retrievable one or more items.

FIG. 6 depicts a method 600 of authentication according to an exemplary embodiment. FIG. 6 may reference the same or similar components of system 100, first device 200 of FIG. 2A and FIG. 2B, method 300 of FIG. 3, sequence diagram 400 of FIG. 4, and system 500 of FIG. 5.

At block 605, the method 600 may include transmitting a challenge including a public key and an encrypted test. For example, an application comprising instructions for execution on a device, such as a client device or a card reader, may be configured to transmit one or more challenges via a communication interface of a first device. One or more processors of the first device may be configured to receive one or more challenges via a communication interface from an application comprising instructions for execution on a device. The challenge may include a public key and an encrypted test. In some examples, the challenge may be transmitted after authentication of the token, as previously explained above.

At block 610, the method 600 may include generating a decrypted test. For example, the one or more processors may be configured to decrypt the encrypted test. For example, the one or more processors may be configured to decrypt the encrypted test using the private key and generate a decrypted test.

At block 615, the method 600 may include including the decrypted test in the challenge response. For example, the one or more processors may be configured to include the decrypted test in the challenge response transmitted via the communication interface.

At block 620, the method 600 may include transmitting the challenge response. For example, the one or more processors may be configured to transmit one or more responses that are responsive to the one or more challenges via the communication interface. For example, the one or more processors may be configured to transmit, via the communication interface, a challenge response to the application comprising instructions for execution on the device, such as a client device or card reader.

At block 625, the method 600 may include authenticating the challenge response. For example, the application comprising instructions for execution on the device, such as the client device or card reader, may be configured to authenticate the challenge response received from the one or more processors. In some examples, the application may be configured to determine if the one or more responses indicate decryption of the encrypted test. For example, if the one or more responses indicate successful decryption of the encrypted test, the response may be deemed authenticated. If the one or more responses indicate unsuccessful decryption of the encrypted test the response may be unauthenticated. In some examples, the one or more processors may be configured to re-transmit the one or more responses including successful decryption of the encrypted test. The re-transmission of the one or more responses may include a predetermined threshold number of attempts, such as one or more entries of the communication interface of the first device into one or more communication fields of a device, such as a client device or card reader, prior to timing out the authentication process. In another example, the re-transmission of the one or more responses may also be subject to a predetermined threshold time period of attempts, such as one or more entries of the communication interface of the communication interface into one or more communication fields of a device, such as a client device or card reader, prior to timing out the authentication process. The predetermined threshold time period may include at least one selected from the group of seconds, minutes, hours, days, weeks, months, years, or the like, and/or any combination thereof.

In some examples, the application may be configured to authenticate the challenge response by decrypting the response with a private key. In other examples, the application may be configured to authenticate the challenge response by transmitting one or more requests to one or more servers and/or one or more databases. For example, the one or more servers may be configured to receive the one or more requests for authentication from the application. The one or more servers may be configured to decrypt the challenge response via a private key. In other examples, the one or more databases may be configured to receive the one or more requests for authentication from the one or more servers. The one or more databases may be configured to decrypt the challenge response via a private key.

At block 630, the method 600 may include providing access to one or more resources. For example, the access to one or more resources may be conditioned on the determination of an outcome associated with the authentication of the challenge response. In this manner, access to the one or more resources may be denied or granted based on the determination of the authenticated challenge response. In some examples, the card reader may be configured to provide access to one or more resources, such as a physical space. As discussed above, the card reader may be internal to the client device. In other examples, the card reader may be external to the client device, such as a part of a third device. For example, the access may be provided after successful authentication of the challenge response. In some examples, the card reader may be configured to provide access to the physical space after one or more entries of the communication interface into a communication field of a device associated with the card reader. Without limitation, the physical space may include any space of a building, a room, a school, a governmental agency, an elevator, or the like such that the card reader is configured to grant access thereto via the one or more entries that are part of the token validation. In some examples, the physical space may also include any space or location where mobile devices, such as a cell phone or tablet or laptop or universal serial bus device, are restricted or otherwise prohibited, such as a cloud server facility or governmental facility or any other secure facility.

In some examples, the card reader may be configured to provide access to a digital experience. As discussed above, the card reader may be internal to the client device. In other examples, the card reader may be external to the client device, such as a part of a third device. For example, the access may be provided after successful authentication of the challenge response. In some examples, the card reader may be configured to provide access to the digital experience after one or more entries of the communication interface into a communication field of a device associated with the card reader. Without limitation, the digital experience may be associated with any application comprising instructions for execution on any device, a virtual reality program, a mobile or web browser, an email client, a game, or the like.

In some examples, the card reader may be configured to provide access to a ticketed event. As discussed above, the card reader may be internal to the client device. In other examples, the card reader may be external to the client device, such as a part of a third device. For example, the access may be provided after successful authentication of the challenge response. In some examples, the card reader may be configured to provide access to the ticketed event after one or more entries of the communication interface into a communication field of a device associated with the card reader. Without limitation, the ticketed event may be associated with a school event, a sporting event, a concert event, a private event, a government event, a music event, or the like.

In some examples, the card reader may be configured to provide access to a safe deposit box. As discussed above, the card reader may be internal to the client device. In other examples, the card reader may be external to the client device, such as a part of a third device. For example, the access may be provided after successful authentication of the challenge response. In some examples, the card reader may be configured to provide access to the safe deposit box after one or more entries of the communication interface into a communication field of a device associated with the card reader. In some examples, the card reader may be external to the safe deposit box. In other examples, the card reader may be internal to the safe deposit box. In some examples, the safe deposit box may comprise a storage enclosure configured to store one or more items, such as a product or grocery item, available for access to the retrievable one or more items.

It is further noted that the systems and methods described herein may be tangibly embodied in one of more physical media, such as, but not limited to, a compact disc (CD), a digital versatile disc (DVD), a floppy disk, a hard drive, read only memory (ROM), random access memory (RAM), as well as other physical media capable of data storage. For example, data storage may include random access memory (RAM) and read only memory (ROM), which may be configured to access and store data and information and computer program instructions. Data storage may also include storage media or other suitable type of memory (e.g., such as, for example, RAM, ROM, programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), electrically erasable programmable read-only memory (EEPROM), magnetic disks, optical disks, floppy disks, hard disks, removable cartridges, flash drives, any type of tangible and non-transitory storage medium), where the files that comprise an operating system, application programs including, for example, web browser application, email application and/or other applications, and data files may be stored. The data storage of the network-enabled computer systems may include electronic information, files, and documents stored in various ways, including, for example, a flat file, indexed file, hierarchical database, relational database, such as a database created and maintained with software from, for example, Oracle® Corporation, Microsoft® Excel file, Microsoft® Access file, a solid state storage device, which may include a flash array, a hybrid array, or a server-side product, enterprise storage, which may include online or cloud storage, or any other storage mechanism. Moreover, the figures illustrate various components (e.g., servers, computers, processors, etc.) separately. The functions described as being performed at various components may be performed at other components, and the various components may be combined or separated. Other modifications also may be made.

In the preceding specification, various embodiments have been described with references to the accompanying drawings. It will, however, be evident that various modifications and changes may be made thereto, and additional embodiments may be implemented, without departing from the broader scope of the invention as set forth in the claims that follow. The specification and drawings are accordingly to be regarded as an illustrative rather than restrictive sense. 

1. A card, comprising: a memory storing a key for decrypting an encrypted message comprising an access token, received from a first application stored on a user mobile device, an applet in communication with the first application, and transmission data comprising one or more identification credentials associated with the user; a communication interface; and one or more processors in communication with the applet stored in the memory and the communication interface, wherein the one or more processors are configured to: execute the applet to create a cryptogram, using the key, wherein: the cryptogram includes a request for the access token and the transmission data, and the request is configured to cause the first application to generate the access token upon validation of the transmission data included in the cryptogram; transmit the cryptogram to the first application; receive an encrypted access token; decrypt the encrypted access token using the key; store the access token in the memory associated with the card; and transmit, after entry of the communication interface into a communication field, the access token to a reader associated with a second system to which the user requires access.
 2. The card of claim 1, wherein the one or more processors are further configured to receive a challenge, from the second system, via the communication interface, wherein the challenge includes a public key and an encrypted test.
 3. The card of claim 2, wherein the one or more processors are further configured to transmit, responsive to the challenge, a challenge response via the communication interface.
 4. (canceled)
 5. The card of claim 2, wherein the one or more processors are further configured to decrypt the encrypted test and include the decrypted test, along with the access token stored on the card, in the challenge response transmitted to the second system via the communication interface.
 6. The card of claim 1, wherein the one or more processors are further configured to encrypt the access token, being transmitted to the reader associated with the second system, using a public key associated with the second system.
 7. (canceled)
 8. The card of claim 1, wherein each entry of the communication interface into the communication field generates a challenge.
 9. The card of claim 1, wherein the access token comprises a limited use token.
 10. (canceled)
 11. An authentication method, comprising: storing, on a card having integrated memory and processor, a key for decrypting an encrypted message comprising an access token, received from an application stored on a user mobile device, one or more identification credentials associated with a user, and an applet in communication with the application running on a device associated with the user; transmitting a cryptogram created by executing the applet, to the application running on the device associated with the user, wherein the cryptogram comprises the one or more the identification credentials encrypted with the key; transmitting, by the application and in response to receiving the cryptogram, an access token to the applet executing on the card, wherein the access token is generated upon validation of the one or more identification credentials decrypted using the key, the access token being encrypted by the application prior to transmission to the applet executing on the card; decrypting, by the applet executing on the card, the access token using the key; storing the decrypted access token on the card; and transmitting, after entry of the communication interface into a communication field, the access token to a reader associated with a second system to thereby grant the user access to the second system, wherein the access token is encrypted, with a public key of the second system before being transmitted to the reader.
 12. The authentication method of claim 11, further comprising: receiving, via the communication interface, a challenge from the second system, wherein the challenge includes a public key associated with the second system and an encrypted test.
 13. (canceled)
 14. (canceled)
 15. The authentication method of claim 12, further comprising: transmitting, responsive to the challenge, a challenge response encrypted with the public key of the second system to the reader via the communication interface, the challenge response including a decrypted test and the access token.
 16. (canceled)
 17. (canceled)
 18. The authentication method of claim 11, further comprising receiving a challenge based on each entry of the communication interface into the communication field.
 19. The authentication method of claim 11, further comprising invalidating the access token after expiration of a predetermined time period.
 20. A computer readable non-transitory medium comprising computer executable instructions that are executed on a processor and comprising the steps of: storing, on a card having integrated memory and processor, a key, one or more identification credentials associated with a user, and an applet communicatively coupled to an application running on a device associated with the user; transmitting a cryptogram created by executing the applet, to the application running on the device associated with the user, wherein the cryptogram comprises the one or more the identification credentials encrypted with the key; transmitting, by the application and in response to receiving the cryptogram, an access token to the applet executing on the card, wherein the access token is generated upon validation of the one or more identification credentials decrypted by the application running on the device associated with the user, the access token being encrypted by the application, prior to transmission to the applet executing on the card; decrypting, by the applet executing on the card, the access token using the key; storing the decrypted access token on the card; and transmitting, after entry of the communication interface into a communication field, the access token to a reader associated with a second system to thereby grant the user access to the second system based on a verification of the access token by the second system, wherein the access token is encrypted, with a public key of the second system before being transmitted to the reader.
 21. The card of claim 1, wherein the access token generated by the first application encapsulates a security identity established through verification of the one or more identification credentials contained within the cryptogram transmitted by the card.
 22. The card of claim 1, wherein the second system queries an authentication system to verify a validity of the access token received from the card.
 23. The card of claim 1, wherein the second system is configured to validate the access token transmitted by the card using one of an Open Authorization (OAuth) protocol and Security Assertion Markup Language (SAML) protocol.
 24. The card of claim 1, wherein the applet executing on the card is communicatively coupled to the first application, running on the device associated with the user, using Near Field Communication (NFC).
 25. The card of claim 1, wherein the verification of the one or more user identification credentials in the cryptogram received by the first application running on the user device is performed by an authentication database communicatively coupled to the first application.
 26. The method of claim 11, wherein the access token comprises an access identifiers for identifying one or more access privileges granted via the access token. 